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Stephen Zapalac has over 20 years of experience in the lending industry, primarily working for Capital Farm Credit as Vice President of Lending and Vice-President Regional Lending Officer. Stephen also served as Credit Office President at First Ag Credit FCS for seven years. Prior to their career in lending, Zapalac owned and managed Stephen Zapalac Farms for 23 years.

Stephen Zapalac attended Sam Houston State University from 1970 to 1973. During this time, they pursued a Bachelor of Business Administration (BBA) degree with a focus on Accounting, Marketing, and Finance. In addition, they also studied Accounting and Finance specifically from 1972 to 1973. Currently, there is no information available regarding any additional certifications they may have obtained.